Charles Schwab Bank Review
A bank focused on investment and online banking.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | High Yield Checking | No monthly fee |
Savings: | High Yield Investor Savings | 420.00% APY |
Credit: | Investor Card | 1.5% cash back |
Mortgage: | 5/1 ARM | 6.00% interest rate |
Fee Rating
4.0/5
Lower is better
FDIC Insured
Yes
Certificate: 57450
Digital Banking
4.5/5
Online & Mobile Experience
Branch Network
400
Physical Locations
Key Features
- High-yield accounts, investment integration.
Bank Information
Routing Number
071000013
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-XXX-XXXX
24/7
Headquarters
Westlake, TX
Years in Business
22 years (Est. 2003)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars; no spaces & 1 special char
Two-Factor Authentication
Authenticator App, SMS
Forgot Password
Reset PasswordSecurity Features
256‑bit SSL; session timeout
Login Instructions
Visit login URL → enter credentials → verify device
Login Help
Call customer service: 1-800-XXX-XXXX
Hours: 24/7
Products & Services
Accounts & Products
Checking
High Yield Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$25
ATM Fee
$2
Savings
High Yield Investor Savings
APY
$420.00%
Annual Earnings
$420.00
Compounds
$Monthly
Minimum Balance
$500
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
Investor Card
Annual Fee
$0
Cash Back
$1.5%
APR Range
$13.99% - 23.99%
Network
$Visa
Mortgage
5/1 ARM
Interest Rate
$6%
APR
$6.15%
Term
$30 Years
Min Down Payment
$10%
Min Loan Amount
$100,000
Max Loan Amount
$1,500,000
Digital Banking Experience
Mobile App Rating
Excellent mobile experience
Online Banking
Excellent online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with Charles Schwab Bank?
Visit their website to explore account options and start your application